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All Journal Open Access Indonesia Journal of Social Sciences Jurnal Penelitian Manajemen Terapan (Penataran) Open Access Indonesia Journal of Social Sciences Diversity Logic Journal Multidisciplinary
yusuf, saifudin
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Humanities Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Diversity Logic Journal Multidisciplinary

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THE HANDLING OF BAD CREDIT AT KOPERINDO EAST JAVA, KANDAT DISTRICT, KEDIRI REGENCY Yusuf, Saifudin; Murdinar, Hardining Estu; Suprajang, Sandi Eka
DIVERSITY Logic Journal Multidisciplinary Vol. 1 No. 1 (2023): April: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v1i1.18

Abstract

Background. Koperindo East Java activities collect funds from the public in the form of savings and channel these funds back to the community in the form of credit and provide other bank services. Research Purpose. This study aims to analyze the percentage level of bad credit at Koperindo and describe Non-Performing Loans (NPL) for the last 3 years. Research Methods. This descriptive research at Koperindo East Java, Kandat District, Kediri Regency. This study used primary data sources by interviews and field observations. Researchers also used secondary data obtained through Koperindo banking documents and analyzed them using descriptive analytic methods. Findings. Bad credit is caused by internal factors and external factors in Koperindo. For 2020 it has an NPL of 7.42%, for 2021 it has an NPL of 9.97%, this shows that in 2022 NPL credit will increase by 2.25%. Because the NPL level at Koperindo East Java exceeds the policy standard, which is 5%, Koperindo emphasizes that in 2021 it will focus more on NPL so that cooperatives experience a decrease in the NPL level. So that in 2022 the NPL is 3.75% and has decreased by 6.22%. The NPL principle is “The Lower Is Better”, meaning that the smaller the NPL value, the better the soundness level of a cooperative. Conclusion. Handling bad credit problems through optimal and effective billing by the credit supervisory team and restructuring in 3 ways: extending the credit period, changing the loan system from the installment system to maturity, and confiscating collateral.
THE INFLUENCE OF HUMAN CAPITAL AND MARKET ORIENTATION ON THE PERFORMANCE OF UMKM IN SANANWETAN DISTRICT, BLITAR CITY Yusuf, Saifudin; Murdinar, Hardining Estu; Nurngaini, Imam; Miladiya, Mayya
DIVERSITY Logic Journal Multidisciplinary Vol. 1 No. 3 (2023): December: Diversity Logic Journal Multidisciplinary
Publisher : SYNTIFIC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61543/div.v1i3.41

Abstract

Background. Sananwetan District UMKM which operate in the Trade, Industry and Fisheries business sectors are registered with the Blitar City Cooperative and UMKM Service. Research Purpose. to determine the effect of human capital on the performance of UMKM, To determine the influence of Market Orientation on the performance of UMKM, and to determine the influence of Human Capital and market orientation on the performance of UMKM simultaneously Research Methods. The type of research used is a quantitative method. The population in this research are UMKM in Sananwetan District, Blitar City. The analysis technique uses Validity and Reliability, Classic assumption test and Multiple Linear Regression Findings. a) Human Capital has a positive and significant effect on the performance of UMKM. The t-statistic value is 4.158805, the t-count value > t-table (1.984), and the p-value is 0.00 < 0.005. b) Market orientation has a positive and significant influence on the performance of UMKM. The t-statistic value is 6.327448, the t-count value > t-table (1.984) and has a p-value of 0.00 < 0.005. C). The value of the human capital and market orientation variables on UMKM performance with an f-statistic of 38.71090. The calculated f-value> f table (3.94), has a p-value of 0.00 < 0.05. Conclusion. Human capital has a positive and significant influence on the performance of UMKM. the market orientation has a positive and significant influence on the performance of UMKM. Human capital and market orientation have a positive and significant influence on the performance of UMKM.
Co-Authors Andrean Permadi Hardining Estu M Imam Nur Ngaini Miladiya, Mayya Murdinar, Hardining Estu Nurngaini, Imam Sandi Eka Suprajang Ulin Nuha Wahidatun Nafiah Al